Yeah I know. This is really scarry, but it still works pretty well and each month you can hear news about some scams for money on auction or local offers portals similar to Ebay, where people pay for something, never get products and money are lost as action was done over the weekend money went to the fake account registered for some homeless guy, who register account and sold access to some cyber criminals. For example they sold 12 Iphone 14 for very cheap price, and before it was reported to the police and bank company to block accounts, money was not there already. They track money, and its already exchanged for crypto or took from ATM by another poor guy (recorded by bank cameras), who was hired just to withdraw money for percent of amount he withdraw. Sic stories but works.